Blog
Guides and insights on COI compliance for construction professionals.
Vendor Sent a COI Without Primary Noncontributory Endorsement — Here's What to Do
2026-06-08
Your vendor's COI is missing the primary & noncontributory endorsement. Here's what that gap costs you, how to verify it, and exactly how to fix it.
Subcontractor Refuses to Provide a Certificate of Insurance: What to Do
2026-06-01
When a subcontractor won't hand over a COI, you have real legal and financial exposure. Here's the step-by-step response playbook for GCs.
Lien Waiver vs COI: What Each Document Does (and Why You Need Both)
2026-05-04
A lien waiver releases payment claims. A COI proves insurance coverage. Confusing them creates real liability. Here's exactly how they differ.
Subcontractor Insurance Verification: A GC's Complete Process Guide
2026-04-30
A practical, field-tested guide to verifying subcontractor insurance—what to check, what's routinely missing, and how to stop gaps from becoming claims.
COI Compliance Requirements by State: What GCs and Property Managers Actually Need to Check
2026-04-23
State-by-state breakdown of COI compliance requirements for construction: NY, CA, FL, TX, and beyond. Know what to demand before a sub sets foot on site.
ACORD 25 Certificate of Insurance Explained
2026-04-16
A field-by-field breakdown of the ACORD 25 certificate of insurance: what every box means, what to verify, and where most GCs get burned.
What Does a COI Cover? A Field Guide for GC Office Managers
2026-04-15
A certificate of insurance summarizes coverage types, limits, and endorsements — but it doesn't guarantee a claim gets paid. Here's exactly what a COI covers and what it doesn't.
How to Read an ACORD 25 Certificate of Insurance
2026-03-24
A practical guide to understanding every section of an ACORD 25 COI — what to look for, what matters, and what most people miss.